Borrow $300 Loans Now - Apply Online Fast With Harpsey

If you are looking to borrow $300, Harpsey is here to help. Simply fill out our online form and you will receive an instant offer from a lender. We have options for customers with bad credit or looking for a no credit check loan. Get started now and you could receive money in your account the very same day!

Representative Example

Borrow $300 over 3 months, at 400% APR, 3 repayments of $218.91, total repayable $518.91

3 Simple Steps to Get a $300 Payday Loan:

Step 1:

Apply With Harpsey’s Online Application Form

Step 2:

Receive An Offer From Direct Lenders

Step 3:

Borrow $300 On The Same Day

Am I Eligible for a $300 Payday Loan?

To be eligible for a payday loan there are a few simple requirements. You are eligible to apply for a $300 payday loan if you fit the following criteria:

  • You must be a U.S. resident
  • You must be at least 18 years of age 
  • You must have stable employment
  • You must earn a minimum of $800 per month
  • You must have a live US checking account for your $300 loan to be deposited in

To avoid disappointment you should check that you meet the criteria above, and also take time to check that you can afford to meet your loan repayments on time.

Key Features of a $300 Loan


Bad Credit? Yes
Same Day Funding? Yes
Legal? Yes
Interest (APR)? Can be over 400%
Completely Online? Yes
Instant Decision Yes

Do You Charge Fees To Apply for a $300 Loan?

No! Our service is completely free. There are no fees involved in our online application form and in matching you with a lender for your $300 loan. Your lender will charge a daily or monthly interest rate which will be agreed upon before you accept an offer. We are here to ensure you find an affordable loan to suit your requirements.

Where Can I Find Payday Loans For $300?

Harpsey helps to search for the best lenders all across the US. As our process is fully online, location is no issue! We find the best offers from areas including the following states:


What Information Do I Need To Apply For a $300 Loan With Harpsey?

Before applying for a payday loan, make sure you are eligible by checking you meet the requirements including your age and having a live checking account. When filling out the online form you will be asked a few simple questions about the amount you want to borrow and how long for. There are a few further details needed about your employment and income, before we can instantly match you with the most competitive rate for your loan.

Can I Get a Payday Loan to Borrow $300 If I Have a Bad Credit Rating?

Yes! You can apply for a $300 loan with Harpsey with bad credit (see loans for people with bad credit ). Our online search works by matching you with a lender most likely to approve you. So even if you have bad credit history, or no credit at all, you could still have extra money in your account within an hour, 24 hours or by the next business day. 

Applying with us will also not impact your credit score in any way. We use a soft search approach which means there is no visible footprint on your credit report.

Can I Borrow $300 With No Credit Checks?

Our lenders can certainly consider loan applications with no credit checks. Most applications require a credit check to confirm eligibility for a payday loan, including details about your income and spending. However, Harpsey works with a wide range of lenders who can explore other options for you, including using other factors than just your income. 

We can help find you a short-term loan, even if you have had a previous application refused by a lender or bank. Whatever your credit history, click ‘Apply Now’ to get $300 in your account today.

How Can I Borrow $300 Fast?

Our online service makes borrowing $300 super quick! The online form takes just minutes to complete and you will have an instant offer for your application on your screen. Should you choose to proceed, once approved, you could have funds in your account on the same day of applying.

In some cases, your chosen lender may require some additional information. To make sure the process is as fast as possible, have your accurate bank and employment details ready and be available by phone or email to speak further with your lender.

How Do Repayments Work For $300 Loans?

The terms of your repayment will be agreed with your chosen lender. For a short-term loan, a couple of weeks should be enough to cover you until your next payday and your repayment will be collected from your account at the end of the month on the agreed date. For larger loan amounts, you might choose to make repayments in equal monthly installments, with options of up to 60 months, 

It is important that you are confident in repaying your loan, either from your income or your savings. Also consider options if a payday loan is right for you. In some cases borrowing from friends or family can allow for more flexibility in repaying a loan and saving on interest.

What Happens if I Cannot Repay My $300 Loan?

It is important to know you can comfortably meet your payday loan online on the agreed terms with your lender. By failing to meet a repayment, you risk having interest added to the loan and facing damage to your credit rating. 

If you become aware that you will struggle to make a repayment you should contact your lender as soon as possible as they might be able to suggest an alternative repayment plan that could save you from falling into further financial difficulty.

FAQs About Payday Loans of $300

You can borrow between $100 to $35,000 through one of our lenders. The amount you can borrow is based on factors such as your monthly income and credit status.

Harpsey is a broker – we connect you to a direct lender best suited to your application from our panel of trusted partners.

It is not possible to get a payday loan if you are unemployed. Having employment and earning a minimum of $800 per month is a requirement to be eligible for a payday loan.